Podcast

The Presidential Debacle

With all the uncertainty about the next President, it's easy to get fearful about what will happen to your investments and your 401(k) as a millennials. On this podcast, Jane Barratt and Andrew Thomas help demystify whether you should be worried.

Election and Your Money

Given millennials are the most important voting block of this election, it makes sense that you would want to know how is this going to affect your wallet. More importantly, are you going to wake up on Wednesday morning and have a lot less money in your investment accounts? It’s one thing to not have the candidate that you want elected….it’s another thing to lose money.

First things first, I want to encourage you not to panic. Panic is literally what sends the stock market plummeting, and you know better than to panic. However, it’s important to understand a few things about how this election will impact your money.

On this Podcast Episode

I’m chatting with CEO and Founder, Jane Barratt, from GoldBean (you know the great company that helps you invest and buy stocks that you know and love), and Andrew Thomas, Investment Advisor at Blooom (the company that helps you manage your 401(k) without pie charts and crazy line graphs. We’ll discuss:

  • Should you be worried about your investments with this election
  • What are some general trends that millennials should pay attention to
  • Why now might be the best time to start investing
  • and a ton more wisdom from these two superstars

I don’t have a crystal ball, so I can’t tell you what the future holds. What I can tell you is that the stock market ebbs and flows. It comes and it goes. What seems like the end of the world today, turns a corner tomorrow and the stock market rallies. You will survive this election.

If you’re new to investing, or never bothered, I highly suggest reading up on the stock market and getting educated. Both Blooom and GoldBean have awesome educational resources and team armed and ready to give you insights. Don’t try to go at this investing thing by yourself.

There are also a ton of great books out there to help with investing. Some of my very favorites are One Up on Wall Street and the Intelligent Investor. 

 

 

This Budget Thing Works

Marie decided to buckle down and give this budgeting thing a try, and you know what, it actually works. She was able to afford her dream vacation to Iceland.

Budgets Do Work

Podcast listener, Marie, woke up one morning and decided that it was time to give this budgeting thing a try. She buckled down, analyzed her bank statements, and was shocked at how much money she was spending on eating out. (Yah, it’s actually a common big expense for most people).

You see, she had been dreaming of a trip to Iceland, but had no idea how to achieve it. Wouldn’t you know it, all along she had the money just sitting in her bank account waiting for her to find it.

It’s In Your Bank Account

Once she came up with a game plan to cut her expenses, Marie was able to afford her dream trip in less than a year. Oh, and she didn’t just go to Iceland for a few days. She went to Iceland for a whole two weeks!

In this Podcast Episode

  • Learn how Marie implemented a few changes so that she could save HUGE bucks each month
  • Find out how awesome her trip to Iceland really was
  • What goals are on tap next, and her advice to other budgeting skeptics

Budgeting doesn’t have to be hard, and that’s coming from me as both the money expert, and an everyday person just like you. I really don’t like to budget each month. I kind of do it with a bit of an attitude, if I’m honest.

BUT, and this is a big one, I know how important budgeting is to my entire financial future. Budgeting is how I’m going to be able to achieve all the dreams and goals that I want to….and I’ve got some big ones to achieve.

Hang in there if budgeting is hard for you. Keep working at it and I promise you will see the difference in your wallet, and in your life, very soon.

Don’t forget to leave review of Millennial Money in iTunes if you like this episode. It means a lot to me, and can’t thank you enough for listening. Now, let’s go out there an slay some budgets.

Millennial Music: Singer Sarah Kelly

Sarah Kelly sits down with Millennial Money to chat about her grammy nominated career and following her dreams of opening a music school.

Sarah Kelly Music Mogul

Sarah Kelly career in the music industry is one that many would dream of. She’s been nominated for a Grammy two times and has sold over 350,000 albums. She’s spent over 10 years touring the world playing venue after venue to thousands upon thousands of fans. You could say she’s achieved a lot, but she didn’t stop there.

The Sarah Kelly Music School Dream

Sarah had a dream that she’s kept close to her for all those years she was performing and playing gigs. She wanted to open a music school, where she could train the next generation of singers and songwriters.

She also knew how important it is to have a mentor and connections to be successful in the music industry. In case you don’t know, musicians aren’t scoring huge record deals anymore (unless your Beyonce or Bruce Springsteen). So, you’ve got to think differently, you’ve got to brand yourself, and you’ve got to stand out from the crowd.

Sarah Kelly is leading the way, and proving opportunities to singers from all around the world.

On this Podcast Episode:

  • We chat with Sarah Kelly about her musical journey
  • Learn how she kept a dream alive (and how she still struggles with her dream)
  • What it takes to be a successful musician these days

Check out Sarah Kelly’s Music School, and watch her perform some of her chart-topping tunes on YouTube.

The One Where I Picked a Health Plan

It's open enrollment time, and that means it's time for you to pick a new health plan. There are so many options out there, but here's what you need to know before you pick.

Open Enrollment is Here

That’s right, it’s that time of year again to pick a new health plan. Chances are the plan you’re on is either going away, or the price is sky rocketing. Seriously, can we stop with the sky rocketing costs already?

You have until December 15, 2016 to make a selection for a January 1st start date. If you don’t pick by December 15, no worries, you’ve got until January 31st until the clock runs out and you have to wait until next year.

Pick Your Best Plan

Picking a good plan shouldn’t start with, “What’s the lowest price I can get.” No, you’ve got to make sure whichever plan you pick not only fits with your budget, but also with your lifestyle. There are three components you should pay special attention to:

  1. Your Deductible
  2. Your Co-Pay or Co-Insurance
  3. Your Out-of-Pocket Max

On this Podcast Episode

Don’t forget to enter your name in our Niagara Falls Getaway Giveaway – giveaway ends November 8th @ 9PM PST. One lucky winner will win a trip for 2 courtesy of JetBlue.

Niagara Giveaway

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Niagara Falls Getaway

Niagara Falls is a hot millennial destination that's not only affordable, but has so many different activities to explore.

Getaway to Niagara Falls

Did you know that New York State has more to offer than Broadway shows and crowded subways?  Niagara Falls is the first destination in our #traveltuesday series, and after you listen to this episode, you’ll understand why.

Niagara Falls offers more than just the falls – there are great restaurants, a wine trail that’s on par with Napa Valley, a cool art scene, hipster entrepreneurs that are revitalizing the city, beautiful hikes and so much more for the millennial traveler to explore. Get packing!

On this Podcast Episode

The Amazing Niagara Giveaway

That’s right, we’re launching Travel Tuesday with a great giveaway to visit Niagara Falls for one lucky podcast listener.

Thanks to our friends at JetBlue, we’re launching a contest to win 2 round-trip tickets from Los Angeles to Buffalo on JetBlue’s new route, a 2 night stay at Hotel Giacomo, 2 Discovery Passes to visit all of the Niagara park attractions and wine tasting for 2 at Black Willow Winery.

Enter here before the contest closes on November 8 at 9:00 PM PST, and be sure to share it with your friends for more entries in the giveaway.

Credit Cards That Are Giving You a Grand

Credit Card Rewards Are Serious Business

Credit card rewards points are serious business these days worth a lot of extra money in your pocket. On this podcast episode, we're dishing about the top credit card rewards offers and why you should switch to a rewards card right away.

Would you say no to an extra grand? That’s what I thought…

These days credit card companies are offering all sorts of insane credit card rewards sign up bonuses for you, the customer. If you’re not using a rewards credit card, now might be time to investigate. There are tons of ways you can use the rewards points, for instance:

  • Travel for the holidays
  • Exchange points for gift certificates for family and friends
  • Save on car rental for your summer getaway
  • Towards airfare to that exotic location you’ve been dreaming of

If you meet certain conditions, credit card reward points could just be the best gift you’ve ever received for spending money. These points are worth cash in your hand.

Power to the Points

A recent study by CreditCards.com, revealed six credit cards with rewards of over $1,000, and tons of other cards with lucrative sign up bonuses. Here are a few of my favorites.

Chase Sapphire Reserve Card Sign-up bonus value: $1,500

Sign-up bonus: 100,000 points if you spend $4,000 in first 3 month

Chase – British Airways Visa Signature® Card Sign-up bonus value: $1,145

Sign-up bonus: 50,000 points if you spend $3000 in first 3 months

Chase Ritz-Carlton Rewards® Credit CardSign-up bonus value: $1,080

Sign-up bonus: 3 complimentary nights at a tier 1-4 Ritz-Carlton hotel, if you spend $5,000 in first 3 months

Chase – Fairmont Visa Signature CardSign-up bonus value: $1,000

Sign-up bonus: 2 free nights if you spend $3,000 in first 3 months

On the Podcast

On this podcast episode, we’re going to dish about the power of credit card rewards points and  what they can mean to your wallet, and your lifestyle.

I’ve traveled around the world and stayed at some amazing hotels thanks to credit card reward points. Learn how you can embrace the power of rewards too.

 

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How to Be a Financial Grownup | Bobbi Rebell

In her new book, Bobbi Rebell interviews over 30 experts sharing their tips at being financially savvy. In this podcast episode, I sit down with Bobbi to chat about her book.

What Does it Take to Be a Financial Grownup?

In her new book, How to Be a Financial Grownup, on shelves right now, author Bobbi Rebell shares stories from over 30 experts, including me, who’ve offered advice for how to be financially savvy. Some of the stories in the book, which I won’t describe in detail because I want you to read the book, will leave your mouth hanging open in shock – and I’m talking real honest to goodness shock.

Bobbi Rebell is an award-winning journalist who is also equally passionate about furthering financial literacy. I mean, let’s get real, the lack of financial literacy in this country is downright criminal. Just imagine if you would’ve learned about money when you were much younger and avoided some of the common traps like credit card debt?

How You Can Giveback

Listen up, here’s your action plan from this podcast episode. We can all be part of helping others learn how to be a financial grownup while we’re learning as well.

  1. Head over to iTunes and leave a review about this episode if you’re a fan
  2. Purchase the book on Amazon right away (it’s under $18 right now)
  3. Email a copy of your receipt to donorschoose@financialgrownup.com and get an $18 code that you can use at Donors Choose to support a classroom financial literacy project.

Send me an email as well and let me know what chapter you enjoyed the most…I bet I can guess what your favorite is going to be!

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Unique Ways to Afford Adoption

Through loans, grants, and unique fundraising ideas, adoption can be affordable. In this podcast episode, I'm sharing lots of affordable adoption tips and a real story of a couple who raised over $18K for adoption.Adoption Can Be Affordable

The average cost of an adoption in the US is around $40,000. That’s a lot of money to come up with if you’re interested in adoption, but not to panic. With the help of loans, grants, and unique fundraising ideas, affording adoption is all within your reach.

This podcast episode will highlight unique ways to afford adoption, many tips that Nicole Witt, Executive Director of The Adoption Consultancy will share, and also a personal story from Heidi and Brandon who recently raised over $18K to afford adoption.  (more…)

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ChimpChange is Changing the Future of Banking

ChimpChange is turning the status quo of how you used to bank on it's side and introducing a bank account that is committed to your financial success in more ways than one.

The Future of Banking

Who says you have to do everything the same way as everyone else? Enter ChimpChange. At ChimpChange, they’re not only revolutionizing how you bank, but they are also firmly committed to your helping you on your financial journey.

Imagine a bank account without fees for basic banking (hint, if you’re paying fees on your bank account now, hurry and find ways to avoid those fees, or better yet, switch to a bank like ChimpChange). Imagine a bank account that will help you manage your budget, all in the palm of your hand? Imagine a bank where the Founder and CEO proudly thinks outside the traditional banking model and is committed to bringing you the best product possible.

On this episode, I had the chance to interview Ash Shilkin, Founder and CEO of ChimpChange. We talked about banking, budgeting, and the evolution of ChimpChange. After the interview, I must say, I’m certainly intrigued by the idea of banking in a totally different way. Who says the old way is the best way?

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4 Awesome Fall Travel Deals & Steals

It's fall and a great time to get out and travel. On this podcast episode, we're covering 4 awesome fall travel deals to stretch your money.

Fall Travel Deals & Steals

Summer is finally over and fall is in the air in many areas of the country. Football is finally back and its now a great time to find some travel deals to check out the foliage around the U.S. Here are our favorite fall travel deals & steals. (more…)

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